# How Commonwealth Credit Union uses Zest AI

**70-83%**: “With 70-83% of all consumer loan decisions automated”

As published on [zest.ai](https://www.zest.ai/customer-stories/commonwealth-cu). Captured by usedby on 2026-10-24.

- Company: [Commonwealth Credit Union](https://www.usedby.ai/companies/commonwealth-credit-union.md)
- Tool: [Zest AI](https://www.usedby.ai/tools/zest.md)
- Industry: [Banking & Mortgages](https://www.usedby.ai/companies/industry/banking-mortgages.md)
- Teams: Lending, Underwriting

## The use case: how Commonwealth Credit Union deploys Zest AI

Commonwealth Credit Union uses Zest AI to automate consumer loan decisioning and to pre-screen and pre-approve applicants through integrations with TruStage Digital Storefront and WithClutch. This lets a leaner underwriting team focus on members who need more support, and leadership uses Lulu for lending insights.

Summary written by usedby from the source page, in English. The figures are those of Zest AI and Commonwealth Credit Union, not ours.

> Zest AI’s technology has allowed Commonwealth Credit Union to say yes to more members while decreasing their charge-off and delinquency ratios. With 70-83% of all consumer loan decisions automated, Commonwealth’s ability to compete with other lenders has skyrocketed.

- **30-40%**: “depending on the portfolio, Commonwealth has seen a 30-40% lower delinquency rate than if they had used traditional scoring methods to underwrite.”
- **$324 million**: “Since 2021, Zest AI has helped Commonwealth approve more than $324 million in consumer loans, amounting to more than 18,000 loans.”

> As a credit union, we always want to find ways to say yes to more loans and reach deeper into segments of the communities we serve. Zest AI’s technology allows us to do that in a managed, data-driven way, showing us the risk associated with any approval increases we make. This enables us to confidently serve more communities across Central Kentucky, helping our members get their affordable or first loans and make an impact on their financial lives.
>
> Jaynel Christensen, Chief Growth Officer

Source: [zest.ai](https://www.zest.ai/customer-stories/commonwealth-cu), captured 2026-10-24.

## Zest AI users in Banking & Mortgages

- [All In Credit Union](https://www.usedby.ai/companies/all-in-credit-union.md) — Confirmed
- [Altra Federal Credit Union](https://www.usedby.ai/companies/altra-federal-credit-union.md) — Confirmed
- [Clark County Credit Union](https://www.usedby.ai/companies/clark-county-credit-union.md) — Confirmed
- [Community Choice Credit Union](https://www.usedby.ai/companies/community-choice-credit-union.md) — Confirmed
- [Credit Union West](https://www.usedby.ai/companies/credit-union-west.md) — Confirmed
- [Desert Valleys FCU](https://www.usedby.ai/companies/desert-valleys-fcu.md) — Confirmed

## What usedby checked

We compared the story with its live page on 2026-10-24.

- Checked: the figure 70-83% is printed word for word on the page, near the name of Commonwealth Credit Union.
- Checked: the passage quoted above is copied word for word from the page, near the name of Commonwealth Credit Union.
- Checked: Commonwealth Credit Union uses Zest AI. Confirmed line. Latest check across sources: 2026-10-24.
- Not checked: the result itself. We quote it; we did not measure it.

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Source: https://www.usedby.ai/case-studies/commonwealth-credit-union-zest · How we check: https://www.usedby.ai/methodology